Thank you for your replies just needed a little piece of mind!! not had much sleep recently as this is only half our debt but Im making a clean brake and start again

Just sent my papers in today to set up my IVA I have my fingers crossed I can get the mess im in sorted most of my debt is with Natwest bank does anyone know what they are like regarding IVAs? I owe them £23,000 this includes a loan credit card and overdraft plus any input would be greatly received x

Thank you all your help I have been discussing this with debt free direct and an independent both say IVA and include the unsecured Northern Rock Loan so thats great I just hope they play ball I am all up to date with my mortgage payments and have never been late for the past 5 years so I hope after...

I have a mortgage with Northern Rock with a unsecured and secured loan included I also have debt elsewhere of a personal loan and 3 credit cards totalling £34000. I want to do an IVA I am upto date with all my payments but do I have to include the unsecured element of mortgage in my IVA ? I really w...